💳 Payment Policy – Joysuri
Effective Date: March 8, 2025
At Joysuri, we are committed to providing a secure, seamless, and flexible payment experience for our customers. This Payment Policy outlines our accepted payment methods, security measures, transaction processing, refunds, and billing policies to ensure transparency and customer confidence when shopping on www.joysuri.com.
1️⃣ Accepted Payment Methods
We offer multiple secure and convenient payment options to enhance your shopping experience:
🔹 Credit & Debit Cards – Visa, MasterCard, American Express, Discover
🔹 Digital Payments – PayPal, Apple Pay, Google Pay
🔹 Buy Now, Pay Later (BNPL) – Klarna, Affirm (for eligible orders)
🔹 Joysuri Gift Cards & Store Credit – Can be redeemed for any purchase
📌 All payments are processed in USD ($). International customers may be subject to currency conversion fees by their banks or payment providers.
🚫 We do NOT accept:
❌ Cash on Delivery (COD)
❌ Personal Checks or Money Orders
❌ Wire Transfers
2️⃣ Secure Payment Processing 🔒
At Joysuri, security is our top priority. We use industry-leading security measures to protect your personal and payment data.
✔ SSL Encryption – All transactions are protected by Secure Socket Layer (SSL) encryption to prevent unauthorized access.
✔ PCI Compliance – Our payment processing system adheres to Payment Card Industry Data Security Standards (PCI DSS) to ensure safe transactions.
✔ No Payment Details Stored – Joysuri does not store credit card or payment information on our servers. All payments are securely processed by trusted third-party providers.
✔ Fraud Detection & Prevention – Orders are monitored for suspicious activity. If flagged as high-risk, we may require additional verification before processing the order.
🚨 If fraudulent activity is detected, we reserve the right to cancel the transaction and notify relevant authorities.
3️⃣ Payment Authorization & Order Processing
✔ Immediate Payment Authorization – Payments are charged at the time of purchase. Orders will not be processed until payment is successfully authorized.
✔ Pending Payments – If your payment is marked as “pending”, it may take 24-48 hours for your bank to complete the transaction.
✔ Failed Transactions – If your payment is declined, please:
- Check that your billing details match your bank records.
- Verify that you have sufficient funds available.
- Contact your bank or payment provider to resolve any issues.
📌 Unsuccessful transactions may result in order cancellation.
🚨 Joysuri reserves the right to refuse or cancel orders if payment is not successfully processed.
4️⃣ Buy Now, Pay Later (BNPL) Options
🚀 Flexible Payment Plans Available! Joysuri offers Buy Now, Pay Later (BNPL) services through Klarna and Affirm for eligible purchases.
📌 BNPL Benefits:
- Split payments into installments over time.
- Zero interest (if paid within the specified period).
- Instant approval process (subject to eligibility).
🔹 Eligibility & Approval: BNPL availability is determined by Klarna/Affirm and is subject to credit approval.
🔹 Late Payments: Customers who miss payments may be charged late fees by the BNPL provider.
🚨 Joysuri is not responsible for any BNPL-related payment issues.
5️⃣ Taxes, Fees & Additional Charges
✔ Sales Tax: Applicable state and local sales tax will be calculated at checkout based on your shipping address.
✔ Customs & Import Duties: International customers are responsible for any applicable taxes, customs duties, or import fees imposed by their country.
✔ Currency Conversion Fees: If you are purchasing from outside the U.S., your bank may apply additional currency exchange fees.
📌 Tax-exempt customers must provide valid documentation before placing an order.
6️⃣ Refunds & Payment Reversals
💰 Refunds are issued to the original payment method within 7-10 business days after the return is approved and processed.
🛍 Gift Card purchases are non-refundable.
📌 If you paid using BNPL, refunds are subject to Klarna/Affirm policies.
🚨 Non-Refundable Costs:
- Original shipping fees are non-refundable.
- Restocking fees may apply in certain cases.
📩 To request a refund, visit our Refund & Return Policy.
7️⃣ Subscription Payments & Auto-Renewals (If Applicable)
If Joysuri offers subscription-based services in the future:
✔ Auto-Renewal Policy – Subscriptions will renew automatically unless canceled before the next billing cycle.
✔ Cancel Anytime – You can manage your subscription through your account settings or by contacting info@joysuri.com.
✔ No Refunds for Partial Subscriptions – Once a subscription is billed, it is non-refundable for the remaining period.
📌 Subscription payment terms will be updated if applicable.
8️⃣ Chargebacks & Payment Disputes
Joysuri takes chargeback fraud seriously. If you dispute a charge with your bank without first contacting us:
🚨 Immediate Order Cancellation – Your order may be canceled, and you may be banned from future purchases.
🚨 Investigation Required – We will review the claim and provide proof of the transaction and delivery.
🚨 Legal Action May Be Taken – Fraudulent chargebacks will be reported to relevant authorities.
📌 If you believe there is a billing error, please contact our support team before filing a dispute.
9️⃣ Payment Support & Assistance
📞 Need help with a payment issue? Our customer service team is here to assist you!
📩 For payment inquiries, refunds, or billing issues:
- Email us at: info@joysuri.com
- Call us at: (662) 369-2769
- Live Chat: Available on our website during business hours
🚨 If you experience unauthorized transactions, contact us immediately!
🔟 Changes to This Payment Policy
Joysuri reserves the right to modify this Payment Policy at any time. Updates will be posted on this page, and continued use of our services constitutes acceptance of any changes.
📌 Last Updated: February 18, 2025
📧 Contact Us for Payment Assistance
📍 Address: 714 Ben Bender Rd, Aberdeen, Mississippi, 39730
📞 Phone: (662) 369-2769
📧 Email: info@joysuri.com
🌐 Website: www.joysuri.com
💖 Joysuri – Secure, Hassle-Free Shopping for Parents & Babies. 💖